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Pennylane
Pennylane
501 – 1,000 Employees
B2BFintechSaaS
Pennylane is a French B2B SaaS and fintech company building an integrated financial management platform for small and medium-sized businesses, independent professionals, and accounting firms. Its software brings accounting, invoicing, expense management, treasury, business banking, bank accounts, and corporate cards into one dashboard, with automated workflows and integrations for accounting and payment services. The platform is designed to help finance teams and accountants coordinate bookkeeping and cash-flow operations more efficiently. Founded in 2020, Pennylane has a team of 501–1,000 employees and hires across product, engineering, finance, operations, and other functions supporting its financial software.
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Senior Fraud and AML Operations Lead

Lead Pennylane’s first-line transaction monitoring and fraud operations as it launches regulated payment services. Build the teams and processes that support financial crime controls for business customers.

FRFranceHybridFull-timeSeniorEnglish RequiredFrench RequiredFinancial Crime

Description

  • Lead first-line transaction monitoring and fraud operations for business customers from end to end.
  • Keep alert triage, investigations, customer contact, and escalations aligned with Compliance and Risk policies and service levels.
  • Turn AML/CFT and fraud policies into practical procedures, decision trees, and analyst playbooks.
  • Review complex or high-risk alerts and oversee fraud cases arising after onboarding.
  • Maintain complete, auditable records for escalations, customer complaints, and law-enforcement requests.
  • Set up quality assurance and reporting frameworks, and track operational and risk indicators.
  • Assist Compliance with control testing, audits, and regulatory reviews.
  • Hire, onboard, and lead transaction monitoring and fraud analysts.
  • Create performance and capacity frameworks covering service levels, productivity, quality, backlogs, false-positive rates, and hiring needs.
  • Work with Product and Tech to improve monitoring, fraud, and back-office workflows and identify automation priorities.
  • Prepare operating procedures, playbooks, and escalation rules ahead of launch.
  • Plan capacity and hiring, and validate alert queues, evidence collection, account measures, and handovers to second-line teams.
  • Launch first-line monitoring for new customers with trained coverage, agreed service levels, and documented quality controls.

Requirements

  • Substantial experience in transaction monitoring, fraud, or other financial crime operations in a regulated financial services setting.
  • Experience leading and developing an operations team handling alert queues or investigations.
  • Strong grasp of first-line alert handling, including triage, investigation, typologies, escalation, and distinguishing fraud cases from AML cases.
  • Working knowledge of French and European AML/CFT expectations, including ACPR and TRACFIN requirements.
  • Experience turning policies into standard procedures, decision trees, and analyst guidance.
  • Experience partnering with Product or Tech on workflow or tooling improvements.
  • Ability to use operational metrics to manage quality, backlogs, and capacity.
  • Sound, well-documented decision-making under pressure and clear communication of complex cases.
  • Confidence building operations in a new, greenfield environment.
  • Fluent French and English.
  • Based in France; Paris is strongly preferred.
  • Able to be regularly on-site in Paris, with some remote work possible.
  • Eligible to work in France; visa sponsorship is not currently available.

Benefits

  • Health insurance through Alan Blue and Alan Mind.
  • Meal vouchers provided through a Swile card.
  • Five weeks of standard paid leave plus 6 to 12 additional RTT days.
  • Monthly allowance for working from home or a coworking space.
  • Equity package in the form of BSPCE.
  • Access to 8,000 gyms in France and over 300 wellness activities through Gymlib.
  • Mac computer.
  • Company gatherings, including quarterly Tech Days and an annual retreat.
  • Flexible remote-work culture.

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